the on-going centrally sponsored schemes- Rashtriya Swasthya BimaYojana (RSBY) and the
Senior Citizen Health Insurance Scheme (SCHIS).
Its salient features are numerous and keeping in mind the poor and the destitute. It has a
defined benefit cover of ₹ 5 lakh per family per year. This cover will take care of almost all
secondary care and most of tertiary care procedures. To ensure that nobody is left out (especially
women, children and the elderly) there will be no cap on family size and age. The benefit cover
will also include pre and post-hospitalisation expenses. All pre-existing conditions will be
covered from day one of the policy. A defined transport allowance per hospitalization will also
be paid to the beneficiary; portable benefits including cashless benefits from any public/private
empanelled hospitals across the country.
Being an entitlement based scheme the entitlement is to be decided on the basis of
deprivation criteria in the SECC database, female headed households with no adult male member
between ages 16 to 59, disabled member and no able bodied adult member in the family, SC/ST
households; and landless households deriving major part of their income from manual casual
labour will be automatically covered. The payments for treatment will be done on package rate
(to be defined by the government in advance) basis. The package rates will include all the costs
associated with treatment. For beneficiaries, it will be a cashless, paper less transaction. Keeping
in view the state specific requirements, states / UTs will have the flexibility to modify these rates
within a limited bandwidth.
One of the core principles of AB-NHPM is co-operative federalism and flexibility to states.
There is provision to partner the states through co-alliance. This will ensure appropriate
integration with the existing health insurance / protection schemes of various central ministries /
departments and state governments (at their own cost). State governments will be allowed to
expand the Scheme both horizontally and vertically. They can implement through insurance
company or directly through trust / society or a mixed model. States would need to have State
Health Agency (SHA) to implement it.
In order to ensure that the Scheme reaches the intended beneficiaries and other stakeholders,
a comprehensive media and outreach strategy will be developed, which will, inter alia, include
print media, electronic media, social media platforms, traditional media, IEC materials and
outdoor activities. This will lead to increased access to quality health and medication. In
addition, the unmet needs of the population which remained hidden due to lack of financial
resources will be catered to.
Relevant Website: www.ayushmanbharat.co.in
Mother’s Absolute Affection Programme
“MAA-Mother’s Absolute Affection” which is an intensified programme was launched in
2016 in an attempt to bring undiluted focus on promotion of breastfeeding. The goal of the MAA
programme is to revitalize efforts towards promotion, protection and support of breastfeeding
practices through health systems to enhance breastfeeding rates. The key components of the
programme are - awareness generation, promotion of breastfeeding and inter personal
counselling at community level, skilled support for breastfeeding at delivery points, monitoring
Intensified Diarrhoea Control Fortnight
It is a programme to combat diarrhoeal mortality in children with the ultimate aim of zero